Advocate Ajay Garg

Questions Answered by Advocate Ajay Garg

Q: I am complaining about personal loan.

I have applied a personal loan from India loan finance company (non banking finance company ) for Rs. 2,00,000/- the company has Charged Rs.2,000 on 9/9/19as processing fees afterward on 11/09/19Rs. 11,200/-,on12/09/19 10,000/-&Rs.11,000,27/09/19 Rs.7,000/-,3,000/-5,000/- & 28/09/19Rs.15,000/-total Rs 71,700/- has paid vide NEFT to their3 accounts in their various hidden charges. Now they wants another Rs.20,000/-.Sir, I have requested in various times to cancel my loan application, they threatening me not to discontinue my calls as well as my loan application. Lately they told me that if I had to cancel it Rs. 12,000/-will have to be paid. Sir I need your help to cancel my loan application and to refund my paid up dues of Rs. 71,700/- at an early dates.

Advocate Ajay Garg answered
sir first of all you must have to share the name of nbfc to which one can understand under what provision they are charging so much amount as concern to the cancellation of loan you can apply at any point before final approval of loan

Q: Bank Imposed Legal Charge and forcing to pay

Hi, I've taken a home loan from PSU bank for Amarpali Builder Flat. Amarpali did fraud with thousand of buyers and case is running in supreme court. I've book flat in July 2012, and bank disbursed 40% (12 Lac) of loan amount till 2014, and i was paying EMI from july 2012 till June 2017, and stop paying EMI from July 2017 (because there was no hope and development on project). Bank send me notice from "debt tribunal recovery" in Oct 2018 to pay the dues. I've paid 18-20 month EMI in 2-3 installment with interest from Jan - March 2019. Now Bank asking me to deposit 45K as lawyer fees, I am already in paid since not getting flat and paying EMI with no hope and now bank also pressurising me for 45K while i am paying EMi on time also. Now what to do and how to avoid this 45K

Advocate Ajay Garg answered
first you have to reply to the notice and remand necessary copy of documents which the bank has imposed penalty and under what provision bank has filed the case afterward you have to contest the case properly

Q: I want divorce and want to know who should initiate it

If being a husband I will proceed the divorce what will be consequences. What difference will it wil make if wife initiates the divorce. My wife started threatening by making the call from his relative's relative who is a lawyer however he presents himself as lawyer to my parents and as a realtor to me .

Advocate Ajay Garg answered
there is no negative consequences if any of you file A divorce case against each other except if the court grant divorce you both are not act in the capacity of husband and wife, as well as there are 2 ways of divorce one by contesting and another by mutual consent

Q: Within 1 week of my marriage, I was able to figure out that my wife is not mentally fit. She wanted

Within 1 week of my marriage, I was able to figure out that my wife is not mentally fit. She wanted me to leave my house and have a seperate accomodation. She has also asked for cyanide twice. Currently the case is in women cell and she has filed false allegations of Dowry and Domestic violence. Her intensions are very bad obvious. Initially during our counselling at CAW, she said she doesn't want to live with me. But now she is saying that she wants to live with me and doesn't want any sort of mediation. Our attempts to mutually settle this case have failed. The I/O at women cell told me yesterday that now an FIR would be lodged and under DV act, she can claim a right to residence. This is something which is bothering me the most. I don't want to live with this girl at any cost. "Can anyone please tell me what should I do in order to stay her away from entering our house under DV act". And these allegations are totally vague.

Advocate Ajay Garg answered
sir simple procedure is to be adopted afterwards she has no right to claim however living with husband is right of a married women but a women cannot demand share in property till the death of husband

Q: My friend was in a relationship with female married office colleague in 2011and it went on till 2013

My friend was in a relationship with female married office colleague in 2011and it went on till 2013. She said she will divorce her husband and marry him. But later said she won't marry him but he has to bear her expenses. And also said if he doesn't give her money than she will tell others about the affair. My friend than left that organisation in 2013 end and went to another city but he had to give her his credit card. Now he is unable to bear her expenses as on an avg she spends 45k every month only for her enjoyment. What he should do now. They have no relation since 2013. Please guide how to stop this blackmailing.

Advocate Ajay Garg answered
first of all you have to block the credit card and it is sufficient proof that you have given credit card for her enjoyment and she is using that credit card un necessarily rest discussion with your friend will help you to find the facts better